How is Chase with lowering APRs?

[Anonymous]

@lethargic...pretty much.

[FinStar]

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@thelethargicage wrote:

You want a lower APR from Chase? Cancel your card and app for it again. That's what I did with my Freedom and it went from 22.99% to 13.9%. It's the only way.

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OP - this is the most viable strategy and what Nixon echoed above.  Also, no guarantee that you'd achieve much of an APR reduction unless your credit picture remains pristine for sometime and improves with age.

[Anonymous]

@fin, welcome back.

This is one of the few cases where I would rely on a prequal.

[chalupaman]

I heard they are terrible when it comes to that. Don't waste your time. 

I think the APRs on my Chase cards are just fine at the moment anyway. They are some of the lowest that I have, even on the AARP. 

[FinStar]

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@Anonymous wrote:
@fin, welcome back.

This is one of the few cases where I would rely on a prequal.

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Exactly, since the APR terms (while fluid) would be spelled out at such point.

[FinStar]

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@chalupaman wrote:

I heard they are terrible when it comes to that. Don't waste your time. 

I think the APRs on my Chase cards are just fine at the moment anyway.

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In the sense of requesting directly, yes.  Absolutely no chance it will be honored.  Over time, Chase tends to periodically review accounts and adjusts the APR to targeted customers whose credit profiles are above the "excellent" threshold mark along with achieving certain internal score factors.

[Imperfectfuture]

Apply for another chase card (freedom for bonus, or AARP), move limit from Amazon over to other card. Close Amazon for month or two. Re apply, walla. However, I got the lowest apr for a non siggy, and it was my first chase card. At first I was upset, but I don't plan to carry a balance neither. THEY WILL consider transitioning to siggy after two years, and you better be in the 800's. Word on the net, lowest apr for non siggy is 19.24, which is what I got (slightly lower before they add the prime). These are for new apps.